Last Updated: 04/18/2025
SMBC Visa® Business Credit Card
Unaffiliated
in Business Credit Cards from SMBC MANUBANK
Last Updated: 04/18/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Business Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
17.24% - 26.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.24% - 26.24%(Verified 06/21/2024)
Annual Fee
$0
Credit Score Range
670 - 850
SMBC Visa® Business Credit Card Review
This is a card issued by SMBC MANUBANK. If you're wondering whether SMBC Visa® Business Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.24% up to 26.24%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. SMBC Visa® Business Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of SMBC Visa® Business Credit Card
| The Good | The Bad |
|
|
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 17.24% up to 26.24% . The card has a variable balance transfer APR that ranges from 17.24% up to 26.24% .
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 18 months from account opening.
This business card does offer an introductory APR rate on new purchases of 0% for a period of 18 months.
| Purchase APR | 17.24% - 26.24% |
| Balance Transfer APR | 17.24% - 26.24% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39 .
- A returned payment fee of up to $35.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
No, it does not offer a cash back rewards program.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:30AM - 4:00PM
Tuesday
9:30AM - 4:00PM
Wednesday
9:30AM - 4:00PM
Thursday
9:30AM - 4:00PM
Friday
9:30AM - 4:00PM
Saturday
Closed